So many opinions. I have done both ways. Depending on the quilt and it's purpose. Sometimes it depends on how much fabric I have for binding if it is a scrap quilt. Usually the backing folded to the front does just fine on this. As a newbie, I hope you will continue to quilt and you can have the opportunity to try one and then another. If you still are undecided, make a couple small wall quilts to give a try on.